please do a detailed explanation and time diagram

A couple takes out a $22000 loan. This loan is to be amortized with equal monthly payments over a 22-year period at 4.3%/year compounded monthly, with the first payment made one month from now. (a) Determine the outstanding balance at the end of 11 years. (b) After that time, the couple is unable to make payments for 1 year. What will then be the balance at the end of 12 years? (c) What new monthly payments would repay the loan on schedule